123 Churchill DrWilliamstownKY41097
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 123 Churchill Dr, Williamstown, KY, 41097 in Williamstown speaks for itself: 11.82% gross on a $293,000 price, generating $2,887/mo in rent and $1,044/mo in net income after the $1,318/mo debt service. DSCR 2.19, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $12,527 stacks alongside $80,951 in projected five-year appreciation and $2,699/yr in principal reduction. Projected total cumulative return: $181,978.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.8% | 8.0% |
| Monthly Cash Flow | $1,044 | $300 |
City averages based on Williamstown market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,887 |
| Total Monthly Debt Service | $1,667 |
| DSCR Ratio | 1.73x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41097, Williamstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,036 (100%) |
| Owner Occupied HU | 1,869 (61.6%) |
| Renter Occupied HU | 697 (23.0%) |
| Vacant Housing Units | 470 (15.5%) |
| Median Home Value | $234,124 |
| Average Home Value | $256,430 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,844
Multi-Family
67
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 2025
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 41097, Williamstown, KY area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,036 (100%) |
| Owner Occupied HU | 1,869 (61.6%) |
| Renter Occupied HU | 697 (23.0%) |
| Vacant Housing Units | 470 (15.5%) |
| Median Home Value | $234,124 |
| Average Home Value | $256,430 |
Housing Distribution
Address Breakdown
Residential
2,911
Single Family
2,844
Multi-Family
67
Businesses
223
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: The Apex Group • Keller Williams Realty Service
Mls Name: NKMLS
Mls Provider:
Mls ID: #638809